Prescription Drugs |
50% on drugs |
70% on drugs |
80% on drugs |
Covered Medication |
Listing of eligible drugs (TELUS formulary) |
Out-of-pocket maximum |
$2,500 per covered person, per plan year |
$1,500 per covered person, per plan year |
$1,000 per covered person, per plan year |
Healthcare Spending Account (HSA) |
$780 per plan year |
$300 per plan year |
$120 per plan year |
Deductible |
None |
Coinsurance |
50% co-insurance on all covered health expenses, except emergency out-of-country |
70% co-insurance on all covered health expenses, except emergency out-of- country, vision, and hearing aids |
80% co-insurance on all covered health expenses, except emergency out-of- country, vision, and hearing aids |
Overall Drug maximum |
Overall Drug Maximum $25,000 per individual per year |
Overall Drug Maximum $45,000 per individual per year |
Overall Drug Maximum $62,500 per individual per year |
Hospital (including Convalescent & Substance Abuse Treatment Facility) |
No Coverage |
Semi-Private |
Semi-Private |
Nursing Care |
No Coverage |
$5,000 to max. 12 months per condition |
$5,000 to max. 12 months per condition |
Psychologist (Paramedical) |
No Coverage |
70% co-insurance, $1,000 per plan year |
80% co-insurance, $1,500 per plan year |
Chiropractor, Massage, & Physiotherapy (Paramedical) |
No Coverage |
70% co-insurance, $325 per plan year, per practitioner |
80% co-insurance, $425 per plan year, per practitioner |
Other Paramedical |
No Coverage |
70% co-insurance, $250 per plan year, per practitioner (Acupuncturist, Audiologist, Chiropodist/ podiatrist, Dietitian, Naturopath, Occupational Therapist, Osteopath, Speech Therapist to a combined maximum of $500) |
80% co-insurance, $350 per plan year, per practitioner (Acupuncturist, Audiologist, Chiropodist/ podiatrist, Dietitian, Naturopath, Occupational Therapist, Osteopath, Speech Therapist to a combined maximum of $1,000) |
Vision Care |
No Coverage |
$225 per 24 months (12 months for dependent < 19)
|
$225 per 24 months (12 months for dependent < 19) |
Eye Exams |
No Coverage |
$75 per 24 months (12 months for dependent < 19) |
$75 per 24 months (12 months for dependent < 19) |
Orthopedic shoes/ Orthotics |
No Coverage |
Combined $400 per plan year |
Combined $400 per plan year |
Hearing Aids |
No Coverage |
$400 per 3 years |
$400 per 3 years |
Support Hose |
2 pairs per plan year to max. of $250 |
2 pairs per plan year to max. of $250 |
3 pairs per plan year to max. of $250 |
X-ray & Lab tests |
No Coverage |
Included when not covered by provincial plan |
Included when not covered by provincial plan |
Wigs |
$750 lifetime |
Drug Formulary |
- Telus Formulary
- Generic Substitution
- Prior authorization
|
Dispensing Fee Cap |
$7.00 Not applicable to Quebec Participants. |
Smoking cessation drugs |
$500 lifetime |
Preventative Immunizations |
Included (Vaccines) |
Accidental Dental |
Included |
Global Medical Assistance |
Worldwide 24-hour telephone support for travelers in emergency medical situations, including access to medical advisors and help locating hospitals, clinics and physicians. |
Emergency out-of-country medical |
Coverage for emergency medical expenses for you and any covered dependents while travelling out of province or out-of- country. |